To conduct a review of Federal Housing Administration construction financing programs, and for other purposes.
In Committee
Introduced:Nov 21, 2025
Primary Sponsor
Lisa C. McClain
Representative
Republican
MI-9
Cosponsors
30
Quick Stats
Policy Area
Health
Summary
This bill would allow states or groups of states to create their own state-run health insurance programs that would cover at least 95% of their residents. These state programs would be funded by federal health care funds like Medicare and Medicaid that the state programs would replace. The federal government would also cover health insurance costs for Native Americans and Alaska Natives enrolled in the state programs.
Latest Action
Referred to the Subcommittee on Health.
AI Summary
Plain-English explanation of this bill
This bill would allow states or groups of states to create their own state-run health insurance programs that would cover at least 95% of their residents. These state programs would be funded by federal health care funds like Medicare and Medicaid that the state programs would replace. The federal government would also cover health insurance costs for Native Americans and Alaska Natives enrolled in the state programs.
Last updated: 12/29/2025
Official Summary
Congressional Research Service summary
<p><b>State-Based Universal Health Care Act of 20</b><strong></strong><b>23</b></p> <p>This bill establishes the option for states, or groups of states, to apply to waive certain federal health insurance requirements and provide residents with health insurance benefits plans through a state-administered program. Such programs must cover 95% of the residents in the state within five years and plan benefits must be at least as comprehensive and affordable as the coverage under the equivalent federal program.</p> <p>State programs are supported with funds from the federal programs the state programs replace, which may include Medicare, Medicaid, the Children's Health Insurance Program, the Federal Employee Health Benefits program, certain federal tax credits, and premium-assistance funds, among others.</p> <p>The bill requires the Department of Health and Human Services to appoint an Independent Assessment Panel for Comprehensive Care to review and recommend whether to approve state applications. Each approved state program must be independently reviewed every five years to evaluate changes in health benefits access, quality, and coverage, including whether the state has met the 95% coverage requirement.</p> <p>The federal government must pay all health insurance costs for American Indians and Alaska Natives who enroll in a plan through a state insurance program.</p>
Key Points
Main provisions of the bill
Allows states or groups of states to create their own state-administered health insurance programs
State programs must cover at least 95% of their residents within 5 years and provide benefits at least as comprehensive and affordable as federal programs
State programs would be funded by federal health care funds like Medicare and Medicaid that they would replace
The federal government would cover health insurance costs for Native Americans and Alaska Natives enrolled in state programs
State programs would be reviewed every 5 years to evaluate coverage, quality, and access
How This Impacts Americans
Potential effects on citizens and communities
If this bill becomes law, millions of Americans could potentially gain access to new state-run health insurance options that could be more tailored to their local needs. State governments and their residents would have more flexibility and control over their health care systems, but the federal government would still provide significant funding. Native Americans and Alaska Natives would also benefit from having their health insurance costs fully covered by the federal government through these new state programs.
Policy Areas
Primary Policy Area
Health
Related Subjects
Administrative law and regulatory procedures
Advisory bodies
Child health
Comprehensive health care
Congressional oversight
Department of Health and Human Services
Employee benefits and pensions
Federal-Indian relations
Government employee pay, benefits, personnel management
Health care costs and insurance
+9 more
Scope & Jurisdiction
Jurisdiction Level
federal
Congressional Session
119th Congress
Citation Reference
6270, 119th Congress (2025). "To conduct a review of Federal Housing Administration construction financing programs, and for other purposes.". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-6270
